---
title: "Business overview"
method: GET
path: "/v1/businesses/{business_id}"
tags: ["Business history"]
---

# Business overview

`GET /v1/businesses/{business_id}`

This API retrieves the full metadata profile for a business entity, including industry classification, loan inquiry history, and addresses derived from bank account holder information.

## Path parameters

- `business_id` string, uuid, required

## Response `200`

Success

- object
  - `id` string — UUID of the business entity for which overview information is retrieved.
  - `name` string — Display name of the business. The name is determined in the following order: user-defined display name, org-specific name, then global entity name.
  - `state` 'ACTIVE' | 'INACTIVE' | 'CLOSED' — Current operational state of the business entity.
  - `industry` object — Industry classification information for the business.
    - `naics4_code` integer — A 4-digit North American Industry Classification System (NAICS) code that represents the industry of the Book.
    - `naics_description` string — The description of the 4-digit NAICS code, indicating the industry classification of the Book category. > 📘 In Books with multiple businesses or fragmented merchant activity, system may show the following statuses as applicable: > - **`Pending - Industry Data`** — Classification is in progress. > - **`Unable to find a unique SMB merchant`** — The system is not able to find a unique merchant mapped to the documents in the Book. > - **`Not Available`** — The system has found a unique merchant, but this merchant does not have industry classification data.
    - `naics6_code` integer — A six-digit NAICS code that provides a more granular industry classification for the merchant. This code refines the broader NAICS category and is commonly used for detailed industry analysis, peer comparisons, and benchmarking.
    - `naics6_description` string — A human-readable description of the six-digit NAICS code that specifies the merchant’s exact industry segment within the broader NAICS classification.
    - `naics_override` boolean — Shows if the 4-digit NAICSA code was overriden by the lender.
    - `mcc_code` integer — A four-digit code assigned by payment networks that classifies a merchant based on the primary type of goods or services they provide. Merchant Category Code (MCC) are commonly derived from card transaction data and are used for transaction categorization, risk assessment, and analytics.
    - `mcc_description_` string — A human-readable description of the MCC that explains the merchant’s primary business activity as defined by the card network.
    - `sic_code` integer — A four-digit Standard Industrial Classification (SIC) code that identifies the merchant’s primary business activity using the legacy SIC system. SIC codes are derived from bank statement data and are used for industry classification, regulatory reporting, and analytics.
    - `sic_description_` string — A human-readable description of the SIC code that explains the merchant’s primary industry classification under the SIC system.
    - `active_override` boolean — Shows if the industry classification has been manually overridden.
  - `loan_inquiries` object — Loan inquiry history and velocity metrics aggregated across all applications.
    - `total_applications` integer — Total number of loan applications across all organisations that have been made for this business entity.
    - `application_history` string[] — Timestamps (ISO 8601) for each application. > 📘 Note > This is cross-org data. It includes application timestamps but does not identify which organization submitted each application.
    - `velocity` object — Application velocity counts in rolling time windows.
      - `day_count_30` integer — Number of applications in the last 30 days.
      - `day_count_60` integer — Number of applications in the last 60 days.
      - `day_count_90` integer — Number of applications in the last 90 days.
      - `day_count_180` integer — Number of applications in the last 180 days.
      - `day_count_270` integer — Number of applications in the last 270 days.
      - `day_count_365` integer — Number of applications in the last 365 days.
  - `addresses` object[] — Deduplicated addresses derived from bank account holder information, sorted by frequency with the most common address first.
    - `holder_address_1` string — The primary line of the address, typically including the street number and name.
    - `holder_address_2` string, nullable — The secondary line of the address, which may include apartment, suite, unit, building, or floor.
    - `holder_city` string — The city associated with the address.
    - `holder_state` string — The state or province associated with the address.
    - `holder_zip` string — The postal or ZIP code associated with the address.
    - `holder_country` string — The country associated with the address.
    - `frequency` integer — Number of bank accounts sharing this address. Higher frequency indicates higher confidence.

## Other responses

- `400` — Invalid Auth/Business ID format
- `403` — Business not associated with requesting organization
- `404` — Business Identity Not Associated With Book
- `500` — Internal server error

---

[API](https://skmtc.net/ocrolus/apis/user-management.md) · [All operations](https://skmtc.net/ocrolus/apis/user-management/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/ocrolus/user-management/revisions/3571ef602d13/schema)